A $1200 GPU you already own, typically, is how this is being seen. Maybe you already have a gaming PC, so this is 0 extra cost to you. All it takes is the power to run the GPU which would be minimal extra vs. the $20/mo cost.
Where I live electricity costs 30 to 40 cents per kWh, I think it's easy to go over 20 dollars per month. Also I find 20 dollars is really a small amount of money to spend on AI. AI fays itself back fast if it helps you with serious stuff.
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A lot of quotas, reset timers, changed terms, and so on too through the subscription. I prefer to buy and use my tools, not adopt them as part of my lifestyle.
I bought my 4070 Ti Super in that magic ~month right in between the Crypto-Craze and the AI Bubble when good cards were pretty commonly available for around MSRP. I even found a small deal the day I was ready to buy, so paid $790 with 2-day delivery included.
Throughout the entire crypto-craze I'd been squeeking by gaming on an OC'd 1080 Ti, so when prices finally fell I was more than ready. Since I was getting interested in maybe playing around with AI soon, I spent up from my budget of around $550-$600 and am very glad I did since it's now clear I'll be squeeking by on this card for more years than I'd planned, just like the 1080 Ti.
Not to mention the price of electricity.